Down payment assistance · Madison County
Buying a home in Ridgeland, MS
13 statewide.Ridgeland has no program of its own, and 13 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
What’s local to Ridgeland
No program of Ridgeland’s own yet
No program run for Ridgeland or for Madison County alone is listed. A home in Ridgeland can use the Mississippi statewide and federal programs below.
The closest city that runs its own program is Jackson, about 9 miles away. City programs usually require the home to be inside that city’s limits.
The Ridgeland marketThe Ridgeland housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Ridgeland
- 51.2% single-familysingle-family
- 1.6% townhousetownhouse
- 9.5% 2–4 units2–4 units
- 35.5% 5+ unitscondo & apartment buildings (5+ units)
- 2.3% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Ridgeland’s homes were built
21.5%
of Ridgeland homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
14 of the 75 programs here set their income limit as a share of Madison County’s area median income, adjusted for household size. See the published limits for Madison County
Free help nearbyFree help near Ridgeland
9 HUD-approved counseling agencies within 15 miles9 HUD-approved housing counseling agencies within 15 miles
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes and can walk you through your options. Create a free account to see who’s near you and pick one.
Free account → 90-second match → your counselors · Sign in
Across Mississippi and nationwide
75 statewide & federal programs13 statewide programs, plus federal options
Ridgeland questions
Does Ridgeland have its own down payment program?
No program run for Ridgeland alone is listed. A home in Ridgeland can use the 13 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Ridgeland?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Madison County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Madison County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Ridgeland?
HUD-approved housing counseling agencies teach homebuyer classes, and 9 agencies are within 15 miles of Ridgeland. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
39157 · 39158
Nearby in Madison
Sources
Sources: agency sites (June–July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.